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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $330,959 | $201,344+64.4% | $184,243+79.6% | $145,877+126.9% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 11.89% | 29.01%-17.1pp | 28.82%-16.9pp | 551.28%-539.4pp |
| Employer contribution / active EE | $6,556 | $7,022-6.6% | $6,427+2.0% | $4,663+40.6% |
| Participant deferral / active EE | $12,505 | $9,807+27.5% | $9,132+36.9% | $6,691+86.9% |
| Admin fee / account holder | $14,870 | $16,382-9.2% | $13,914+6.9% | $13,402+10.9% |